Things Everyone Should Do Before Turning 30

Sunset at Ke'e BeachI’m not sure when the feeling of invincibility we all have as teenagers and young adults starts to fade. I’ve never been one to test my boundaries too much, but I certainly did things in my 20’s that I wouldn’t dream of now. We had a family tragedy of sorts last week, and it has really caused me to think about life, youth, and all the things everyone really should do before turning 30, especially if you are a parent or are thinking about becoming one.

Gone Too Soon

One of my younger cousins passed away last week. He was 30 years old and died of a massive heart attack. We were not close, and I hadn’t seen him in over a decade, but his Mom is my aunt, so I’ve kept up with him over the years.

At first glance, you would have thought he was the picture of perfect health. He wasn’t obese. He was apparently a genius with construction type jobs and did really well in his career. He looked handsome and strong, someone you’d think would have his whole life ahead of him.

There was also a darker side. Without going into detail, I guess you could say he “lived hard.” His autopsy showed an enlarged heart that was not able to hold up under the strain it was being put through. He leaves behind a wife and young son.

You Never Know When Your Time Is Up

While my cousin’s outward appearance did not mirror his overall health, even the most health conscious of us never know when our time is up. Is there anyone out there who doesn’t have a friend or relative who died too soon and unexpectedly?

While this tragedy is on my mind, it has me thinking of all the things we need to do often don’t. I put off many unpleasant things myself, especially the one about getting my financial life in order. If I’d kicked the bucket while we were $30,000 in debt, I would have left my family in financial ruin. That certainly is not the legacy I want to be remembered for. These are some reminders to take care of before you turn 30 or right now if you’ve already passed that milestone.

Life Insurance

If anyone depends on your income, you need to get life insurance. Even if your significant other has a career and good income, you never know what experiencing a sudden loss might do to a person’s psyche.

If you have young children, this is an absolute must. With the loss of my cousin’s income, his wife is not going to have the luxury of taking a long time off to recover and help their son understand that his Daddy is not coming home. I’m sure family will pitch in to support them, but there is no way this is going to be an easy time. Money does not heal all wounds, but it does make it easier to grieve and recover when  your worries aren’t about paying the mortgage or keeping food on the table.

A Will

Even if you don’t have any assets, parents need to have a will that states what they want to happen to their children if they are not around. Can you imagine family members fighting and going to court over who gets to raise the kids? What if the person whose values you don’t support wants to take them?

No one is ever going to raise your children exactly as you would, but that doesn’t mean you don’t need to have plans for the unthinkable. Also make sure the person you choose knows and is willing before you put it in the will.  This is one of the hardest things we’ve done as parents, but it’s done, and I don’t have to think about it every day.

A Physical

To our knowledge, my cousin had no idea about his enlarged heart. I don’t know if it would have shown up on a routine physical or not, but it does make you wonder if his death might have been prevented if he’d known. No one likes to go the the doctor, but you owe it to yourself and your family to try and be as proactive as possible toward your health.

Look At Your Habits

If you take a long hard look at yourself, are there things you do on a daily basis that are putting you or your family at risk? This can be anything from living paycheck to paycheck, eating crap, drinking too much, smoking, or setting a bad example in your personal relationships.

No one is perfect, and we all want to enjoy life, but if you look toward the future, is there a behavior you have now that you don’t won’t to pass along to your children? We all have to put on our big boy/girl pants and live for ourselves as adults. You can’t blame choices on anyone else, but it’s hard to deny patterns.

My cousin had a very turbulent childhood until he was about 11 years old. His biological father had many of the same behaviors he seemed to develop as an adult. Ironically, his half sister, who has had a very stable upbringing, has never had any behavior issues. She is an honor student on a full scholarship currently. I’m not blaming or saying it would have turned out any differently had they both been raised similarly, but it does make you wonder.

It’s very hard to break habits, whatever they are, but if you don’t want your kids to be exposed, make changes now.


It’s true that you do only live once, but I don’t want to be remembered as someone who never lived up to my potential. I hope, even if I die tomorrow, that people will remember me as someone who was honest, worked hard, but also took the time to enjoy life and my priorities. Most of all, I want to be remembered as a good wife, mother, and friend instead of someone who was going to get around to it someday.

What have you been putting off that you should do today?  Why?

Written By
Sydney White is a Texas-born stay at home mom who enjoys spending time with her family, bargain hunting and, of course, writing. She is currently the editor-in-chief of


  1. I’m very sorry for your loss. When someone young dies, it really forces you to put life your life in perspective.

    The one thing we know we need to do, but haven’t yet, is get a will. I just can’t decide who would be best to raise our daughter if we were gone. I know any decision is better than none, but we haven’t been able to pull the trigger.

  2. I’m so sorry to hear about your cousin. What an awful thing to loose someone so young and unexpectedly. Much of what you’ve said really resonates with me. The unpredictability of life is a major factor in our plan to retire early. We don’t want to spend our best years trapped in an office. And, I’m with you on the health preventative measures–I’m a huge proponent of living healthy and visiting a doctor regularly. Thank you for sharing this.

    1. i would hate to be trapped in a job I disliked for 30+ years then be too frail or old to do the things I still want to do. We obviously weren’t done at 33, but we plan to be done with day jobs long before traditional retirement age. I actually like my job. I just want to do it on my terms.

  3. This is a great post Kim. I don’t have a will yet, but I’m working on that. I also should schedule a full physical because I haven’t gotten one done in a while. I’ve had blood work – which found high cholesterol – but I haven’t had a full physical so the doctor can check everything. Prevention is cheaper than treatment.

  4. So sorry to hear about your cousin. These kinds of situations definitely make you think twice and reflect on our own lives. Unfortuneately, I am unable to obtain life insurance because of the fact I had melanoma in my twenties. For that reason, we have gotten life insurance for our kids so they wouldn’t ever be in the same boat.

  5. The thing I have been putting off is to be a writer of health magazine. This is my dream and I want to have fulfilled this dream before I am 30. Right now, I have skills and experience but I haven’t gotten the time and courage to apply for a publishing company. Maybe soon!

  6. We had our will and trust done this year and it is such a relief. We talked about it for years. Finally we set a deadline and said no more vacations until we get this done. It is such a relief to take it off the list. Something you really don’t want to do, but have to do. Sorry for the loss.

    1. It seemed like a big ordeal, but really wasn’t so bad once you get over the thought process involved. We may update a few things as time goes on, but we can at least go off the original template.

  7. I am so sorry for your loss. It doesn’t really matter if they were close or distant – sometimes it kinda makes you think about your own life. I am in my 30’s and there are times (a lot of times) when I feel like I am not doing my full potential on things. Like right now, I am starting and trying to pay off debt and I feel so limited on what I can and cant do. But you are right, I also would not want to leave my family in a “financial ruin” if that comes.

    1. Paying off the debt will give you so many more opportunities, even if the short term seems like you’re on a leash. Getting rid of debt really was what boosted our net worth and allowed us to start living up to potential, so hang in there.

  8. I am very sorry for your loss Kim. I did a will when I was 30 and my family laughed.
    But I take the plane often and live in a place where people can get guns easily so expect the best and prepare for the worse right?
    I hope my mother has a will telling us exactly where everything should go, I have seen too many siblings fight ugly over inheritance money.

    1. I always hope for the best and hope I live to be 90 years old, but if not, I don’t want anything left to chance. I think my Mom has all their stuff planned out, but my inlaws will be a different story. We’ll see.

  9. So sorry to hear about your loss. I appreciate you writing this post in response to the tragedy,because people only seem to think of these things when something has recently happened to them or someone they know, but we need reminders constantly about how fragile life is. I think life insurance can’t be overstated.

    1. This one really threw me for a loop. It’s easy to brush off when you hear about someone else dying young, but when it’s someone in your family or a friend, it does make you think about life and mortality, which isn’t always a bad thing.

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